Credit Karma is an American personal finance firm that helps people access their credit scores and gets reports and insights into their financial status. The site uses data from the three major credit reference bureaus in the country (Equifax, TransUnion and Experian) to generate conclusive credit reports for its customers.
Credit Karma generates revenueby charging customers for the credit reports which have many applications including getting personal loans and financing for businesses. A credit report could also be used to great effect for personal finance matters.
Mistakes do happen occasionally and you can find a mistake with the information on your credit report. A quarter of Americans claim errors on their credit reports do affect their credit scores.
Mistakes in credit reports usually involve errors in personal and account information. However, you can find derogatory elements in your credit report such as tax liens, civil judgments and suspicious loan payments.
In such a case you are required and compelled by Federal law to file a dispute about the inaccurate information on your credit report.
Viewing and disputing your Credit Karma credit report is easiest done online through Credit Karma's Direct Dispute tool. The Direct Dispute tool enables you to dispute a credit report from any of the three major credit bureaus directly from Credit Karma's website.
You can correct a flaw in your Credit Karma credit report using the following process:
If the above process yields no results, you should contact Credit Karma's customer service through the following avenues:
Sending an email to customer service is another great option for disputing a credit report from Credit Karma. Their email support address is always active therefore, you can send them a message at any time of day or night.
An email does afford you a lot of space to address the incorrect information on your credit report. Include as much information about the charge as possible in the email.
You can retrieve the Credit Karma customer service email address from GetHuman.
The Credit Karma online help desk is a surprisingly quick way to dispute information on a credit report from the website. However, you should use the help desk after trying other methods.
You can find the help desk's address on GetHuman.
You can send Credit Karma a letter to their corporate headquarters in San Francisco and dispute information on your Credit Karma credit report. Sending a letter to Credit Karma's corporate headquarters is slow but sure.
Do not send mail unless all the other options have been exhausted or the correction is not urgent. You can find the address to their corporate offices on their website.
After thousands of Creditkarma.com customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Report a Mistake with My Credit Report to Credit Karma? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Creditkarma.com if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
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